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Looking for some extra cash? Look no further than Instant Finance!

While we may not have a physical branch in your area, our seamless online application process brings personal loans on the West Coast right to your fingertips. 

We understand that everyone's financial needs are different, which is why we offer a wide range of cash loans on the West Coast to suit your specific requirements.

Got questions about the application process or the types of personal loans we offer? Our dedicated team is here to assist you every step of the way. Whether you're curious about loan terms, interest rates, or repayment options, feel free to give us a call or reach out via our online contact form. As a responsible lender, we're committed to providing you with all the information you need to make an educated decision regarding your financial position.

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Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
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Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees

Personal loans wherever on the Westcoast

Life can throw unexpected curveballs our way, but don't worry - that's where Instant Finance comes in! Whether you need funds for car repairs, home renovations, or even a well-deserved vacation, Instant Finance’s personal loans on the West Coast have you covered.

We offer a user-friendly online application process that enables you to apply for a personal loan from the comfort of your own home. Whether you're nestled in Greymouth, Hokitika, or anywhere else on the West Coast, our online loan application form makes applying quick and straightforward.

At Instant Finance, we’re dedicated to providing you with the best possible interest rate and personal loan on the West Coast to help you through those unpredictable moments. With our easy online application process and complete transparency about lending options, you can apply whenever and wherever you want. 

Taking out a personal loan on the West Coast is easy with Instant Finance. You can typically borrow anywhere between $200 and $50,000. Plus, we offer different repayment options with personalised interest rates tailored to your unique circumstances.  

So why wait? Get in touch with us today to explore which loan option would work best for you. Feel free to play around with our user-friendly loan calculator or simply apply for online loans on the West Coast in just a few clicks. Let's make it possible together!

  • Fast online application

    Apply from anywhere, anytime! Not only is the application form fast, but it helps us collect all the information we need and process your application faster too.

  • Same day response

    When you need cash, you don't want to be held up. You can expect a same-day response about the next steps for your application.

  • Money in your account within 24hrs of approval

    Once your loan application is approved, you could have money in your account within 24 hours and get back to what you love.

  • Personalised rates

    Get an interest rate of your own! We know there's no one size fits all, so we tailor our interest rates to you and your financial situation. Why not have a play with our calculator?

Worried that a bad credit score might affect your chances of securing a personal loan on the West Coast?

We know that life doesn’t always go according to plan, and Instant Finance is here to help you. As a responsible lender, we genuinely care about your unique circumstances and strive to make lending decisions that are both fair and sensible for you. Find out more about getting a bad credit personal loan. 

Our friendly and knowledgeable staff take the time to fully understand your current financial situation. Based on this information, we can determine whether Instant Finance’s cash loan on the West Coast is the right solution for you. Additionally, we can help you create a household budget, ensuring that you repay your loan on time while keeping everything else on track.

With Instant Finance assistance, applying for a cash loan on the West Coast won't be an overwhelming experience anymore. Whether you're in Greymouth, Hokitika, or any other corner of the West Coast, our dedicated online support team is here to provide you with prompt and informative responses. 

If you're curious about bad credit, interest rates, repayment options, or anything else related to personal loans, our online contact form is your direct line to the answers you need.

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Understanding personal loans on the West Coast

As a responsible lender, we want to make sure that you have a clear understanding of what's involved when applying for personal loans on the West Coast. We believe in being open and transparent, providing you with all the necessary information to ensure that you have a smooth application process. Below, we have outlined everything you should know about personal loans:

  • You may have various reasons for applying for an online loan in Northland, such as for a new car, travel or to consolidate other debt.
  • There are some rates and fees attributed to your loan, but we make everything clear so there are no surprises. Play with our loan calculator to find out more, or read up on our Rates & Fees page. 
  • If you choose to take out a secured personal loan, you will need to provide us with a charge over one or more of your possessions as collateral. In the unfortunate event that you’re unable to fulfil your repayment obligations, there’s a chance that we may seize the possession as security.
  • If you choose to take out an unsecured personal loan, there’s no requirement for you to offer any of your possessions as collateral. Other common examples of unsecured loans include credit cards, student loans, and peer-to-peer loans.
    • To determine if you qualify for an unsecured personal loan and the amount you can borrow, we’ll need to assess your financial history. If you have a good credit score and have consistently made timely repayments on previous loans (if applicable), there’s a higher chance of getting approved for an unsecured personal loan. If you’re interested in unsecured personal loans but have poor credit, however, obtaining approval may be more challenging. In such cases, consider applying for a secured loan. Alternatively, feel free to reach out to our friendly team to discuss other potential ways in which we might be able to assist you. 
  • Instant Finance offers a range of personal loans on the West Coast. The type of loan would be based on a range of factors, including your circumstances, affordability, the security you may be able to provide, credit record and whether you are borrowing responsibly.​ 

Have a play with our loan calculator to see your repayment amount and the total costs. If you’re ready to take out cash loans on the West Coast, then don’t hesitate to apply online with Instant Finance.

 

Are you eligible? 

Here is our list of criteria you must meet to apply for an online loan on the West Coast:

  • You need to be 18 years old or over 
  • You need to be currently living in New Zealand 
  • You need to be a citizen or a resident of NZ 
  • You need to provide a valid photo ID 
  • You need to be able to afford repayments 

It will also be helpful if you provide the following information to get your loan approved quickly: 

  • Your credit history 
  • If you’re applying for a secured loan, any documentation to prove ownership of the collateral, its value and other related insurances in place.

Applying for online loans on the West Coast is easy with us!

1. Apply effortlessly online

With our user-friendly loan application process, you can easily apply for online loans on the West Coast without even stepping outside your home! Just make sure you have a valid photo ID, proof of income, and proof of address ready to ensure a smooth and hassle-free experience.

2. Tailored loans just for you

We will get in touch to offer you a personalised quote tailored to your requirements. This includes interest rates and repayment terms that are perfectly suited for you.

3. Get your money in 24 hours!

Once you've accepted the loan offer, the money should be deposited in your account within 24 hours - giving you the freedom to continue living life to the fullest without any delays or worries.

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